Yuav-Tam sim no Them-tom qab cov nyiaj tau los nce 70% ua ntej Hnub So

Cov neeg siv khoom tsis yog ib txwm paub Yuav tam sim no, them nyiaj tom qab (BNPL), qhov hloov tshiab ntawm lub tswv yim ntawm kev tso nyiaj, yog daim ntawv qiv nyiaj lossis qiv nyiaj, vim lawv txuas ntxiv lawv cov khoom hnub so. BNPL cov tuam txhab muaj kev dhia loj hauv kev muag khoom hauv online thaum lub lim tiam ntawm Dub Friday (Lub Kaum Ib Hlis 21 txog Kaum Ib Hlis 27) nce 68% piv rau lub lim tiam dhau los, raws li qhov tseeb. Adobe Analytics. CNBC's Small Business Survey tau tshaj tawm ntau dua BNPL nrov ntawm cov neeg Dub thiab Mev Mev Asmeskas nrog 12% ntawm cov neeg Dub thiab 13% ntawm cov neeg Mev Mev hais tias lawv siv BNPL rau hnub so yuav khoom, piv rau tsuas yog 5% ntawm cov neeg Asmeskas dawb.

Qhov Rhuav Koj Yuav Tsum Paub:

cov BNPL kev lag luam xav kom ncav cuag $ 3.98 trillion los ntawm 2030, raws li Allied Research. CultureBanx tau sau tseg tias ntawm no-hauv qhov lus dag qhov teeb meem, vim tias ntau tus neeg siv khoom tsis nkag siab tag nrho daim ntawv tshiab ntawm kev qiv nyiaj txiag, nws yooj yim kom ntes tau hauv qhov teeb meem nyiaj txiag tsis zoo. Tam sim no, 27% ntawm cov tsev neeg Dub tau lig rau lawv cov nuj nqis. Lending Club's Holiday Season report pom tias 37% ntawm cov neeg Amelikas npaj siv nyiaj txiag xws li qiv nyiaj rau tus kheej, credit cards thiab yuav tam sim no, them nyiaj tom qab lub caij so so, nce ntawm 34% hauv 2021.

Cov tub ntxhais hluas tab tom pab txhawb kev lag luam BNPL. Ze li ntawm ib nrab xyoo txhiab thiab cov tswv cuab ntawm Generation Z hais tias lawv muaj feem yuav tau nyiaj tsawg kawg yog ib qho ntawm lawv cov hnub so yuav khoom siv cov kev xaiv xws li credit cards, BNPL lossis qiv tus kheej, raws li Lending Club qhia. Xyoo tas los ib leeg, Cov neeg Asmeskas siv $ 20.8 billion los ntawm cov kev pabcuam BNPL no, nrog kev yuav khoom tag nrho nce 230% txij li pib xyoo 2020, raws li kev tshawb fawb los ntawm AccentureACN
.

Yog tias peb rov qab mus ntxiv, txij xyoo 2019 txog 2021, cov nyiaj daus las ntawm BNPL cov nyiaj qiv tawm los ntawm tsib lub tuam txhab suav nrog Affirm, Afterpay, Klarna, PayPalPYPL
thiab Zip tau nce los ntawm 1,092%, los ntawm $ 2 billion rau $ 24.2 billion, raws li tsab ntawv ceeb toom los ntawm Consumer Financial Protection Bureau (CFPB). Cov nqi sib koom ntawm pej xeem "yuav-tam sim no, them-tom qab" cov tuam txhab muaj kev ntxhov siab rau xyoo no, nrog Affirm thiab Zip nqis ntau dua 70%. Klarna tus nqi poob ntau dua 80% thaum Lub Xya Hli.

Dab tsi Ntxiv:

Kev lig kev cai BNPL tsuas yog muab rau kev siv online xwb, tam sim no, cov phiaj xwm tau txuas ntxiv kom suav nrog qee qhov kev yuav khoom hauv khw ib yam nkaus, thiab cov credit-card issuers tau nkag mus rau hauv txoj cai thiab. Qhov no suav nrog cov khw muag khoom xws li Dollar GeneralDG
uas yuav muab cov neeg siv khoom nws cov qauv ntawm kev yuav-tam sim no, them-tom qab ntawm ntau dua 1,700 lub khw.

Aslo, CFPB npaj yuav pib tswj kev lag luam "yuav-tam sim no, them-tom qab" kev lag luam. CFBP, uas tam sim no tsis saib xyuas BNPL cov tuam txhab lossis cov khoom lag luam, yuav tshaj tawm cov lus qhia lossis txoj cai kom ua raws cov qauv kev lag luam nrog cov tuam txhab credit card.